The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,457
−HK$1,178/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$42,047
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,492
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,129/mo
Today · 4.125%
HK$43,734
baseline
▲ 0.50% · 4.625%
HK$46,039
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,468/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,414/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,790
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,354/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$2,767/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,215
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,839
−HK$1,650/mo
Today · 4.125%
HK$55,489
baseline
▲ 0.50% · 4.625%
HK$58,866
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,978/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,089
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,580/mo
Today · 4.125%
HK$61,227
baseline
▲ 0.50% · 4.625%
HK$64,454
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,454/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,134
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,222
−HK$2,121/mo
Today · 4.125%
HK$71,343
baseline
▲ 0.50% · 4.625%
HK$75,684
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,686/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,685
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,688
−HK$2,032/mo
Today · 4.125%
HK$78,720
baseline
▲ 0.50% · 4.625%
HK$82,870
+HK$4,150/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,440/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,359 · Scale 2, in force from 26 Feb 2026)